First State Bank
First State Bank received 69 applications in 2025 and made 64 mortgages, in 18 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $255,000. Of 65 decisions, 1 were denials — 1.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DFQP4S0ZYOBT18 |
|---|---|
| Applications received | 69 |
| Mortgages made | 64 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First State Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 48 | Not published | $250,000 | 2.0% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where First State Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, AR | 12 | Not published | 0.0% |
| Cleburne County, AR | 11 | Not published | 0.0% |
| Garland County, AR | 10 | Not published | 0.0% |
| Lonoke County, AR | 8 | Under 10 loans | 0.0% |
| Clark County, AR | 4 | Under 10 loans | 0.0% |
| Faulkner County, AR | 4 | Under 10 loans | 0.0% |
| Pulaski County, AR | 3 | Under 10 loans | 0.0% |
| Benton County, AR | 2 | Under 10 loans | 0.0% |
| White County, AR | 2 | Under 10 loans | 0.0% |
| Conway County, AR | 1 | Under 10 loans | 0.0% |
| Independence County, AR | 1 | Under 10 loans | 0.0% |
| Madison County, AR | 1 | Under 10 loans | 0.0% |
| Nevada County, AR | 1 | Under 10 loans | 0.0% |
| Saline County, AR | 1 | Under 10 loans | 0.0% |
| Stone County, AR | 1 | Under 10 loans | 0.0% |
| Lawrence County, MO | 1 | Under 10 loans | 0.0% |
| Taney County, MO | 1 | Under 10 loans | 0.0% |
| Jefferson County, AR | 0 | Under 10 loans | 100.0% |
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When First State Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.